Coverage & Claims
Homeowners Insurance
Renters Insurance

How do I get a false claim off my insurance report?

I would call my prior insurance company (your renters provider) showing the false claim and see how they have it marked. I would also have them send confirmation that the claim was dropped and not paid out.

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Coverage & Claims

If I have two separate insurance claims to file, do they tally the two claims to determine if the car is totaled?

The claims department will want to do whatever is the least expensive option. They will likely add the damages together to decide what to do.
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